# The 77Bank,Ltd.: business model and financials

> Latest period: FY ending Mar 2026, consolidated, J-GAAP
> Unit: JPY millions
> Sources: 有価証券報告書－第142期(2025/04/01－2026/03/31) (S100YAM0)
> Page: https://vizora.meequs.com/en/company/77bank
> Retrieved: 2026-09-30T22:04:50.674Z

## Company

The 77Bank, founded in 1932, is a company in Regional Banks listed on TSE Prime. It has 2,456 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | The 77 Bank,Ltd. |
| Ticker | 8341 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/8341.T) |
| Listing | TSE Prime |
| Head office | 仙台市青葉区中央三丁目3番20号 |
| Representative (per filing) | 代表取締役頭取 小林英文 |
| Founded | Jan 1932 |
| Employees (consolidated) | 2,456 |
| Average salary (parent only) | ¥7.7M |
| Fiscal year end | March |
| Corporate number | 1370001003352 |
| EDINET | E03545 |
| Industries (Vizora) | Regional Banks |

> Profile source: annual securities report (S100YAM0, filed 2026-06-15). As of filing

## Key points (generated from figures)

- The 77Bank brought in ¥211.2B in ordinary revenue.
- Out of every ¥100 of ordinary revenue, about ¥37 is left as ordinary profit.
- Ordinary revenue changed +23.1% from the prior year, ordinary profit +39.4%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥211.2B |  |
| Ordinary income | ¥78.5B | Margin 37.2% |
| Net income | ¥54B | Margin 25.6% |
| Employees (consolidated) | 2,456 |  |
| EPS | ¥237.03 |  |
| Book value per share | ¥2950.01 |  |
| Equity ratio | 6.6% |  |
| Shares outstanding | 76,655,000 |  |
| Treasury shares | 1,827,500 |  |
| Shareholders | 14,092 |  |
| Average salary (parent only) | ¥7.7M | Filing company only |

## What changed in 5 years

| Metric | FY ending Mar 2021 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥119976000000 | ¥211208000000 | +76.0% |
| Employees | 2,812 people | 2,456 people | -12.7% |
| Cash and equivalents | ¥1366991000000 | ¥601175000000 | -56.0% |

### Change in segment revenue mix

Span: FY ending Mar 2021 → FY ending Mar 2026. Stable segment keys are connected; unmatched shares are marked as new or reorganized. Shares use total segment revenue.

## Income statement（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 211,208 | 100.0% | S100YAM0 |
| Ordinary expenses | 132,739 | 62.8% | S100YAM0 |
| Ordinary income | 78,469 | 37.2% | S100YAM0 |
| Extraordinary loss | 56 | 0.0% | S100YAM0 |
| Pretax income | 78,412 | 37.1% | S100YAM0 |
| Income tax | 24,404 | 11.6% | S100YAM0 |
| Net income | 54,007 | 25.6% | S100YAM0 |
| Net income attributable to owners | 54,007 | 25.6% | S100YAM0 |

## Per ¥100 of revenue（FY ending Mar 2026）

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 63 |
| Ordinary income | 37 |
| (Ref.) Net income | 26 |

### Margin funnel

Ordinary margin 37.2% → Net margin 25.6%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +23.1%; Core profit growth: +39.4%
Growth quality: margin-expansion
Operating leverage (core profit growth ÷ revenue growth): 1.71×
Calculated from comparable annual consolidated filings.

## Year over year（FY ending Mar 2025 → FY ending Mar 2026、JPY mn）

| Metric | Prior | Current | Change | % change |
| --- | ---: | ---: | ---: | ---: |
| Revenue | 171,553 | 211,208 | 39,655 | +23.1% |
| Net income attributable to owners | 39,270 | 54,007 | 14,737 | +37.5% |
| Operating cash flow | -337,181 | -454,616 | -117,435 | — |
| Free cash flow | -340,335 | -456,566 | -116,231 | — |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2017 | 106,692 | — | — | 16,114 | 71,377 | — | S100LT7P |
| FY ending Mar 2018 | 113,180 | — | — | 18,314 | -105,188 | — | S100OGZH |
| FY ending Mar 2019 | 109,483 | — | — | 17,670 | -194,364 | — | S100QZM5 |
| FY ending Mar 2020 | 116,926 | — | — | 18,261 | 16,667 | 13,427 | S100LT7P |
| FY ending Mar 2021 | 119,976 | — | — | 16,468 | 804,407 | 799,782 | S100OGZH |
| FY ending Mar 2022 | 118,169 | — | — | 22,234 | 633,980 | 631,600 | S100QZM5 |
| FY ending Mar 2023 | 122,053 | — | — | 25,056 | -681,807 | -684,454 | S100TV98 |
| FY ending Mar 2024 | 150,552 | — | — | 29,802 | -103,721 | -107,124 | S100W06G |
| FY ending Mar 2025 | 171,553 | — | — | 39,270 | -337,181 | -340,335 | S100YAM0 |
| FY ending Mar 2026 | 211,208 | — | — | 54,007 | -454,616 | -456,566 | S100YAM0 |

## People and productivity（FY ending Mar 2026, consolidated, J-GAAP）

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥86M |
| Net income per employee (consolidated) | ¥22M |

Employees, revenue and profit are consolidated. Average annual salary is a separate parent-company figure. Calculated from disclosed figures (DERIVED).

| History | FY ending Mar 2022 | FY ending Mar 2023 | FY ending Mar 2024 | FY ending Mar 2025 | FY ending Mar 2026 |
| --- | ---: | ---: | ---: | ---: | ---: |
| Employees (consolidated) | 2,754 | 2,653 | 2,587 | 2,537 | 2,456 |
| Average salary (parent company) | ¥7M | ¥7.1M | ¥7.3M | ¥7.6M | ¥7.7M |
| Average age (parent company) | 38.5 years | 38.7 years | 38.9 years | 38.9 years | 39.0 years |
| Average tenure (parent company) | 15.8 years | 16.0 years | 16.1 years | 16.0 years | 16.0 years |

Year over year: Employees (consolidated) -3.2% · Revenue (consolidated) +23.1%

## Revenue by geography

No geographic revenue breakdown was disclosed.

## Cash flow（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Operating cash flow | -454,616 | -215.2% | S100YAM0 |
| Capital expenditure | 1,950 | 0.9% | S100YAM0 |
| Free cash flow | -456,566 | -216.2% | 算出 |
| Investing cash flow | 70,853 | 33.5% | S100YAM0 |
| Financing cash flow | -15,746 | -7.5% | S100YAM0 |
| Dividends paid | 15,733 | 7.4% | S100YAM0 |
| Share buyback | 14 | 0.0% | S100YAM0 |
| Change in cash | -399,506 | -189.2% | S100YAM0 |
| Cash and equivalents | 601,175 | 284.6% | S100YAM0 |

## Ownership

| Counterparty | Relation | Ratio | As of |
| --- | ---: | ---: | ---: |
| 日本マスタートラスト信託銀行株式会社(信託口) | Major shareholder | 14.3% | 2026-03-31 |
| 株式会社日本カストディ銀行(信託口) | Major shareholder | 8.4% | 2026-03-31 |
| 明治安田生命保険相互会社 | Major shareholder | 4.5% | 2026-03-31 |
| 住友生命保険相互会社 | Major shareholder | 4.2% | 2026-03-31 |
| 日本生命保険相互会社 | Major shareholder | 3.5% | 2026-03-31 |
| 東北電力株式会社 | Major shareholder | 2.3% | 2026-03-31 |
| STATE STREET BANK AND TRUST COMPANY 505223(常任代理人 株式会社みずほ銀行決済営業部) | Major shareholder | 1.4% | 2026-03-31 |
| JP MORGAN CHASE BANK 385781(常任代理人 株式会社みずほ銀行決済営業部) | Major shareholder | 1.3% | 2026-03-31 |
| STATE STREET BANK AND TRUST COMPANY 505001(常任代理人 株式会社みずほ銀行決済営業部) | Major shareholder | 1.3% | 2026-03-31 |
| 第一生命保険株式会社 | Major shareholder | 1.3% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第142期(2025/04/01－2026/03/31) | S100YAM0 | 2026-06-15 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YAM0,, |
| 有価証券報告書－第141期(2024/04/01－2025/03/31) | S100W06G | 2025-06-20 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100W06G,, |
| 有価証券報告書－第140期(2023/04/01－2024/03/31) | S100TV98 | 2024-06-27 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TV98,, |
| 有価証券報告書－第139期(2022/04/01－2023/03/31) | S100QZM5 | 2023-06-29 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100QZM5,, |
| 有価証券報告書－第138期(令和3年4月1日－令和4年3月31日) | S100OGZH | 2022-06-29 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100OGZH,, |
| 有価証券報告書－第137期(令和2年4月1日－令和3年3月31日) | S100LT7P | 2021-06-29 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100LT7P,, |

## Definitions

- Amounts are in millions of JPY (rounded). The period is stated in each table heading
- Operating margin = operating income ÷ revenue. Net income is attributable to owners of the parent when disclosed
- Free cash flow (FCF) = operating cash flow − capital expenditure
- ¥100 model = breakdown per ¥100 of revenue (rounded so parts sum to 100)
- Segment revenues include inter-segment sales and may not sum to consolidated revenue
- Source IDs are EDINET document IDs (docID). "算出" (derived) means computed from other disclosed values
- All figures are extracted mechanically from filings. AI-written text never generates figures
- Source: company filings submitted to EDINET (Financial Services Agency of Japan). Figures were extracted, edited and processed, and charts and text were created, by Vizora — not by the FSA (used under the Public Data License v1.0).